Merry Christmas and Happy Holidays! When I started Financial Samurai in 2009, my main goal was to make sense of the Global Financial Crisis. That was a scary time period that created massive uncertainty for our careers and our investments. As things got better, I’ve tried to tackle interesting topics to enable us to live
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You may not realize this, but a health savings account (HSA) can be used as a retirement vehicle. If you’ve maxed out your 401(k) and IRA contributions, maxing out an HSA could be another source of retirement funds. A health savings account offers triple tax savings because you contribute pre-tax dollars, pay no taxes on
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If you’re like most people, you want to get as much value out of any purchase as possible. Therefore, you’d probably never buy a first class or business class airline ticket. You might use miles to upgrade. But you certainly wouldn’t pony up your hard-earned dollars to sit in a wider seat. However, money is
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I’ve made the case the best time to work may be during a pandemic. With fewer things to do, you might as well spend more time making more money. Further, if you are able to work from home, you could actually figure out a way to work less and still get paid in full! Since
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The Federal Housing Finance Agency (FHFA) has announced new 2022 conforming loan limits for conventional loans. The baseline conforming loan limit for 2022 will be $647,200, up $98,950 from 2021’s limit of $548,250. That is a record-high increase of 18% based on the FHFA House Price Index. In higher-cost areas, the new loan limit increases
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Between the ages of 18 – 32, I experienced chronic back pain, sciatica, tennis elbow, golfer’s elbow, and TMJ. It was only after reading Dr. Sarno’s book, Healing Back Pain, did my chronic pain eventually went away. Now, at 44, I hardly have any chronic pain. And when some ailment does flare up, I review
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Are you expecting a year-end bonus this year? Or maybe you know Grandma always gives cash for Christmas? Either way, you’ve got better things to do with that extra money than just blowing it all. Any time you get extra cash, it’s important to think about how it could help you get closer to your […]You can use your holiday bonus money to increase your savings, invest in your career, purchase insurance for your family, start some New Year's resolutions, or even take a vacation.
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You can take regular distributions at age 59 1/2, take the required minimum distributions at age 72 or you can roll your 401(k) into an IRA and contribute investment earnings.You can take regular distributions at age 59 1/2, take the required minimum distributions at age 72 or you can roll your 401(k) into an IRA and contribute investment earnings.
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Now that we’ve had some fun figuring out the minimum income and net worth required to buy a $5 million home, I thought it’d be nice to be more inclusive. This post will discuss the income and net worth requirements to buy a home priced from $200,000 to $50 million. The income and net worth
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I’ve been using Personal Capital’s free financial tools to track my net worth, manage my cash flow, and optimize my investments for over eight years. Let me share with you the most thorough and honest Personal Capital review about their free financial application. From 2013 – 2015, I was also a consultant for the firm.
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